cust.co / Compare / nCino vs DLocal

nCino vs DLocal - NRR head-to-head

Side-by-side Net Revenue Retention comparison sourced from SEC filings and earnings releases. Both compete in Fintech SaaS. Both at Public stage.

DLocal leads by +41pp on latest NRR (153% vs 112%).

NRR over time

99%114%130%145%160% FY2024-Q4FY2025-Q4FY2026-Q4FY2022-Q1FY2025-Q1FY2026-Q1FY2026-Q2 NRR nCino DLocal nCino - FY2024-Q4: 106% nCino - FY-2025: 106% nCino - FY2025-Q4: 106% nCino - FY2026-Q3: 116% nCino - FY2026-Q4: 112% nCino - FY-2026: 112% DLocal - FY2024-Q4: 140% DLocal - FY-2025: 149% DLocal - FY2025-Q4: 145% DLocal - FY2022-Q1: 153% DLocal - FY-2024: 140% DLocal - FY2025-Q1: 144% DLocal - FY2025-Q3: 149% DLocal - FY2026-Q1: 152% DLocal - FY2026-Q2: 153%

DLocal hit a higher all-time peak (153% in FY2022-Q1).

Stat-by-stat

Metric nCino DLocal
Latest NRR 112% 153%
All-time peak NRR 116% 153%
All-time low NRR 106% 140%
QoQ change +0pp +1pp
YoY change +6pp +4pp
3-year change - -
Disclosures tracked 6 9

Customer cohorts

MetricnCinoDLocal
Total customers 1,500 760
Over $100K ARR 549 -
Over $1M ARR 105 -
Top-10 concentration - 62%
Average ACV - -
US revenue mix 77.4% -

Commercial structure

MetricnCinoDLocal
Total RPO $1.4B -
Current RPO (12mo) $797M -
Multi-year contracts - -
Avg contract length - -
Subscription rev mix 89.1% -
New customers added 6 -

Post-sales motion

MetricnCinoDLocal
CS team size - -
Customers per CSM - -
Pricing model hybrid consumption
Renewal cadence multi-year consumption
CSM coverage model hybrid account-named
Top customer exec Joaquin De Valenzuela -

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